{"id":4512,"date":"2024-05-16T12:22:07","date_gmt":"2024-05-16T06:52:07","guid":{"rendered":"https:\/\/www.gettogetherfinance.com\/blog\/?p=4512"},"modified":"2026-03-25T18:29:43","modified_gmt":"2026-03-25T12:59:43","slug":"initial-public-offering","status":"publish","type":"post","link":"https:\/\/www.gettogetherfinance.com\/blog\/initial-public-offering\/","title":{"rendered":"What is an IPO (Initial Public Offering)? Complete Guide for Beginners (2026)"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"597\" src=\"https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Initial-Public-Offering-IPO-1774439702-0IMm-1024x597.webp\" alt=\"\" class=\"wp-image-11529\" srcset=\"https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Initial-Public-Offering-IPO-1774439702-0IMm-1024x597.webp 1024w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Initial-Public-Offering-IPO-1774439702-0IMm-300x175.webp 300w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Initial-Public-Offering-IPO-1774439702-0IMm-768x448.webp 768w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Initial-Public-Offering-IPO-1774439702-0IMm.webp 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Initial Public Offering or an IPO is one way through which a company raises funding to focus on expansion of the business. An individual can purchase the shares of a company as an investor.<\/p>\n\n\n\n<p>There are several opportunities in the market for investment purposes and IPO is one of them: Let\u2019s discover it. IPO is a great way for a company to raise capital for immense growth of the business. To achieve big milestones, the company raises funds from the general public. For an investor, they can hold a stake into a company and receive entitlements such as dividends and bonus shares.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_78 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.gettogetherfinance.com\/blog\/initial-public-offering\/#IPO_Meaning_Explained_Simply\" >IPO Meaning (Explained Simply)<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.gettogetherfinance.com\/blog\/initial-public-offering\/#Why_Do_Companies_Launch_an_IPO\" >Why Do Companies Launch an IPO?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.gettogetherfinance.com\/blog\/initial-public-offering\/#Types_of_IPOs_Fixed_Price_Book_Building\" >Types of IPOs (Fixed Price &#038; Book Building)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.gettogetherfinance.com\/blog\/initial-public-offering\/#Key_IPO_Terms_You_Must_Know\" >Key IPO Terms You Must Know<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.gettogetherfinance.com\/blog\/initial-public-offering\/#5-Step_IPO_Process_in_India\" >5-Step IPO Process in India\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.gettogetherfinance.com\/blog\/initial-public-offering\/#Whats_the_Process_of_IPO_Allotment\" >What\u2019s the Process of IPO Allotment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.gettogetherfinance.com\/blog\/initial-public-offering\/#How_to_Apply_for_an_IPO_in_India_via_ASBA_UPI\" >How to Apply for an IPO in India (via ASBA \/ UPI)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.gettogetherfinance.com\/blog\/initial-public-offering\/#IPO_Categories_Retail_HNI_QIB_Explained\" >IPO Categories: Retail, HNI, QIB Explained<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.gettogetherfinance.com\/blog\/initial-public-offering\/#How_to_Analyse_an_IPO_Before_Investing\" >How to Analyse an IPO Before Investing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.gettogetherfinance.com\/blog\/initial-public-offering\/#What_Are_The_Risks_of_Investing_in_IPOs\" >What Are The Risks of Investing in IPOs?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.gettogetherfinance.com\/blog\/initial-public-offering\/#Difference_between_IPO_and_FPO\" >Difference between IPO and FPO\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.gettogetherfinance.com\/blog\/initial-public-offering\/#What_You_Can_Learn_From_Recent_IPOs_in_India_2024%E2%80%932025\" >What You Can Learn From Recent IPOs in India (2024\u20132025)?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.gettogetherfinance.com\/blog\/initial-public-offering\/#1_IPOs_Are_No_Longer_%E2%80%9CGuaranteed_Profit%E2%80%9D\" >1. IPOs Are No Longer \u201cGuaranteed Profit\u201d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.gettogetherfinance.com\/blog\/initial-public-offering\/#2_Listing_Gains_and_Long-Term_Returns_Are_Different\" >2. Listing Gains and Long-Term Returns Are Different<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.gettogetherfinance.com\/blog\/initial-public-offering\/#3_Hype_Can_Mislead_You\" >3. Hype Can Mislead You<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.gettogetherfinance.com\/blog\/initial-public-offering\/#4_Investors_Are_Becoming_More_Selective\" >4. Investors Are Becoming More Selective<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.gettogetherfinance.com\/blog\/initial-public-offering\/#5_Not_All_IPO_Money_Goes_Into_the_Business\" >5. Not All IPO Money Goes Into the Business<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.gettogetherfinance.com\/blog\/initial-public-offering\/#6_Market_Conditions_Matter_More_Than_You_Think\" >6. Market Conditions Matter More Than You Think<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.gettogetherfinance.com\/blog\/initial-public-offering\/#7_Good_Companies_Still_Win\" >7. Good Companies Still Win<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.gettogetherfinance.com\/blog\/initial-public-offering\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.gettogetherfinance.com\/blog\/initial-public-offering\/#FAQs\" >FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.gettogetherfinance.com\/blog\/initial-public-offering\/#Q1_What_is_an_IPO\" >Q1. What is an IPO?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.gettogetherfinance.com\/blog\/initial-public-offering\/#Q2_Is_investing_in_an_IPO_risky\" >Q2. Is investing in an IPO risky?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.gettogetherfinance.com\/blog\/initial-public-offering\/#Q3_How_can_I_apply_for_an_IPO\" >Q3. How can I apply for an IPO?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.gettogetherfinance.com\/blog\/initial-public-offering\/#Q4_Can_I_make_profits_by_investing_in_an_IPO\" >Q4. Can I make profits by investing in an IPO?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"IPO_Meaning_Explained_Simply\"><\/span><strong>IPO Meaning (Explained Simply)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>An <strong>Initial Public Offering (IPO)<\/strong> is essentially the first time a private company steps into the public spotlight. When a company grows to a certain scale, it needs a massive influx of capital that a few private investors can no longer provide. By launching an <strong>IPO<\/strong>, the company offers its shares to the general public. For you as an investor, an <strong>Initial Public Offering<\/strong> is an invitation to own a piece of that company\u2019s future and participate in its potential success from an early stage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Do_Companies_Launch_an_IPO\"><\/span><strong>Why Do Companies Launch an IPO?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Here\u2019s why companies launch an IPO:<\/p>\n\n\n\n<p><strong>Brand Credibility:<\/strong> Being a \u201clisted\u201d company on the NSE or BSE automatically increases a brand\u2019s trust among customers, suppliers, and international partners.<\/p>\n\n\n\n<p><strong>Access to Growth Capital:<\/strong> The most common reason for an <strong>IPO<\/strong> is to raise funds for expansion, research, and development.<\/p>\n\n\n\n<p><strong>Debt Management:<\/strong> Many companies use the proceeds from an <strong>Initial Public Offering<\/strong> to pay off high-interest loans and strengthen their balance sheets.<\/p>\n\n\n\n<p><strong>Liquidity for Early Backers:<\/strong> It provides an exit route for founders and venture capitalists who took the risk of investing in the early days.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Types_of_IPOs_Fixed_Price_Book_Building\"><\/span><strong>Types of IPOs (Fixed Price &#038; Book Building)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large is-style-default\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"207\" src=\"https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-2-1774439655-FTnE-1024x207.webp\" alt=\"Types of IPOs (Fixed Price & Book Building)\" class=\"wp-image-11527\" srcset=\"https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-2-1774439655-FTnE-1024x207.webp 1024w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-2-1774439655-FTnE-300x61.webp 300w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-2-1774439655-FTnE-768x155.webp 768w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-2-1774439655-FTnE.webp 1201w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>There are two main ways a company can price its <strong>Initial Public Offering<\/strong>:<\/p>\n\n\n\n<p><strong>Book Building:<\/strong> The company provides a price band (e.g., \u20b9100 to \u20b9105). Investors bid within this range, and the final price is determined based on the total demand received.<\/p>\n\n\n\n<p><strong>Fixed Price Issue:<\/strong> The company and its underwriters set a specific price for the shares before the issue opens. Investors know exactly what they are paying per share.<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_IPO_Terms_You_Must_Know\"><\/span><strong>Key IPO Terms You Must Know<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"206\" src=\"https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-4-1774439650-N4Lk-1024x206.webp\" alt=\"Key IPO Terms You Must Know\" class=\"wp-image-11526\" srcset=\"https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-4-1774439650-N4Lk-1024x206.webp 1024w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-4-1774439650-N4Lk-300x60.webp 300w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-4-1774439650-N4Lk-768x155.webp 768w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-4-1774439650-N4Lk.webp 1201w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>To navigate an <strong>IPO<\/strong> successfully, you should be familiar with these terms:<\/p>\n\n\n\n<p>1.<strong>Listing Gain:<\/strong> The profit an investor makes if the <strong>IPO<\/strong> starts trading at a price higher than the allotment price on the very first day.<\/p>\n\n\n\n<p><strong>2. DRHP (Draft Red Herring Prospectus):<\/strong> Think of this as the company\u2019s \u201cbio-data\u201d filed with SEBI; it contains every financial detail and risk factor you need to know.<\/p>\n\n\n\n<p><strong>3. Price Band:<\/strong> The range (floor price to cap price) within which you can place your bid for the <strong>IPO<\/strong>.<\/p>\n\n\n\n<p><strong>4. Lot Size:<\/strong> You cannot buy a single share in an <strong>Initial Public Offering<\/strong>; you must apply for a minimum \u201clot\u201d of shares as defined by the company.<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5-Step_IPO_Process_in_India\"><\/span><strong>5-Step IPO Process in India<\/strong><strong>\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"206\" src=\"https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-6-1774439830-NnwD-1024x206.webp\" alt=\"5-Step IPO Process in India\u00a0\" class=\"wp-image-11531\" srcset=\"https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-6-1774439830-NnwD-1024x206.webp 1024w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-6-1774439830-NnwD-300x60.webp 300w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-6-1774439830-NnwD-768x155.webp 768w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-6-1774439830-NnwD.webp 1201w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Launching an <strong>Initial Public Offering<\/strong> is a rigorous journey that typically spans 6 to 9 months, moving from internal preparation to the final listing on the stock exchange.<\/p>\n\n\n\n<p><strong>Listing Day:<\/strong> This is the finish line. The shares are officially credited to Demat accounts and start trading on the NSE\/BSE, allowing investors to buy or sell them like any other stock.<\/p>\n\n\n\n<p><strong>Hiring Underwriters:<\/strong> The company first appoints investment bankers or underwriters. These financial experts act as the backbone of the <strong>IPO<\/strong>, helping the company determine the price band and managing the legal complexities.<\/p>\n\n\n\n<p><strong>Filing the DRHP:<\/strong> The company submits a Draft Red Herring Prospectus (DRHP) to SEBI. This document is a deep dive into the company\u2019s business model and finances; the <strong>IPO<\/strong> can only proceed once SEBI provides its \u201cgreen light.\u201d<\/p>\n\n\n\n<p><strong>The Roadshow:<\/strong> Before the <strong>IPO<\/strong> opens, the management travels to meet big institutional investors. This \u201croadshow\u201d is crucial for building trust and ensuring there is enough demand for the shares.<\/p>\n\n\n\n<p><strong>The Bidding Period:<\/strong> This is when the <strong>Initial Public Offering<\/strong> finally opens for you. The bidding window usually stays open for 3 working days, allowing retail and institutional investors to submit their applications.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Whats_the_Process_of_IPO_Allotment\"><\/span><br><strong>What\u2019s the Process of IPO Allotment?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"207\" src=\"https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-7-1774442222-hmf7-1024x207.webp\" alt=\"What\u2019s the Process of IPO Allotment?\" class=\"wp-image-11538\" srcset=\"https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-7-1774442222-hmf7-1024x207.webp 1024w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-7-1774442222-hmf7-300x61.webp 300w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-7-1774442222-hmf7-768x155.webp 768w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-7-1774442222-hmf7.webp 1201w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Applying for an <strong>IPO<\/strong> does not guarantee that you will actually receive the shares in your Demat account, especially if the company is popular.<\/p>\n\n\n\n<p>The <strong>IPO allotment process<\/strong> is triggered after the bidding period ends. If the <strong>Initial Public Offering<\/strong> is \u201coversubscribed\u201d\u2014meaning 10 lakh people applied for only 1 lakh available shares\u2014a computerised lottery system is used to pick the winners. This ensures a fair and transparent distribution. If you aren\u2019t lucky in the lottery, your blocked money is simply released back into your bank account. This competitive demand is exactly why many investors struggle to get an allotment in high-quality <strong>IPOs<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Apply_for_an_IPO_in_India_via_ASBA_UPI\"><\/span><strong>How to Apply for an IPO in India (via ASBA \/ UPI)<\/strong>?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"206\" src=\"https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-8-1774442184-eyzh-1024x206.webp\" alt=\"How to Apply for an IPO in India (via ASBA \/ UPI)?\" class=\"wp-image-11537\" srcset=\"https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-8-1774442184-eyzh-1024x206.webp 1024w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-8-1774442184-eyzh-300x60.webp 300w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-8-1774442184-eyzh-768x155.webp 768w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-8-1774442184-eyzh.webp 1201w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Technology has simplified the application process so much that participating in an <strong>Initial Public Offering<\/strong> is now as easy as any other online transaction.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>ASBA (Applications Supported by Blocked Amount):<\/strong> This is the most secure way to apply for an <strong>IPO<\/strong>. Instead of sending money to the company upfront, your bank \u201cblocks\u201d the application amount in your own account. The money only leaves your account if you are successfully allotted shares.<br><\/li>\n\n\n\n<li><strong>UPI:<\/strong> Most modern trading apps allow you to use your UPI ID for <strong>IPO<\/strong> applications. Once you submit your bid, you receive a \u201cmandate\u201d request on your UPI app (like GPay or PhonePe). Once you approve it, your funds are blocked, making the <strong>Initial Public Offering<\/strong> process fast and paperless.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"IPO_Categories_Retail_HNI_QIB_Explained\"><\/span><strong>IPO Categories: Retail, HNI, QIB Explained<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"206\" src=\"https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-10-1774442173-SfcK-1024x206.webp\" alt=\"IPO Categories: Retail, HNI, QIB Explained\" class=\"wp-image-11536\" srcset=\"https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-10-1774442173-SfcK-1024x206.webp 1024w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-10-1774442173-SfcK-300x60.webp 300w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-10-1774442173-SfcK-768x155.webp 768w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-10-1774442173-SfcK.webp 1201w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>To ensure that everyone gets a fair chance to participate, SEBI has divided <strong>Initial Public Offering<\/strong> shares into specific \u201cbuckets\u201d or categories.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Retail Individual Investors (RII):<\/strong> This category is reserved for regular investors like us. If your total investment in an <strong>IPO<\/strong> is \u20b92 Lakh or less, you fall under this bucket.<br><\/li>\n\n\n\n<li><strong>Non-Institutional Investors (NII\/HNI):<\/strong> If you are an individual or a small organization investing more than \u20b92 Lakh in a single <strong>Initial Public Offering<\/strong>, you are classified as an NII or HNI.<br><\/li>\n\n\n\n<li><strong>Qualified Institutional Buyers (QIB):<\/strong> These are the \u201cbig fish,\u201d including mutual funds, insurance companies, and banks. They usually have the largest portion of shares reserved for them because of their long-term investment capacity.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Analyse_an_IPO_Before_Investing\"><\/span><strong>How to Analyse an IPO Before Investing?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"206\" src=\"https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-9-1774442167-P5A9-1024x206.webp\" alt=\"How to Analyse an IPO Before Investing?\" class=\"wp-image-11535\" srcset=\"https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-9-1774442167-P5A9-1024x206.webp 1024w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-9-1774442167-P5A9-300x60.webp 300w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-9-1774442167-P5A9-768x155.webp 768w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-9-1774442167-P5A9.webp 1201w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Investing in an Initial Public Offering should never be based on social media hype; it requires a logical, rule-based approach to avoid losses.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Check the \u2018Why\u2019:<\/strong> Always look at the \u201cObject of the Issue\u201d in the prospectus. If the company is raising money to expand or innovate, it\u2019s a good sign. However, if most of the money is going toward paying off old debts, be cautious.<br><\/li>\n\n\n\n<li><strong>Financial Health:<\/strong> Examine the company\u2019s track record. A solid <strong>IPO<\/strong> candidate should show consistent revenue growth and profitability over at least the last 3 years.<br><\/li>\n\n\n\n<li><strong>Promoter Background:<\/strong> The leadership is the engine of the company. Research the promoters to ensure they have a clean history and the expertise required to scale the business after the <strong>IPO<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Are_The_Risks_of_Investing_in_IPOs\"><\/span><strong>What Are The Risks of Investing in IPOs?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"207\" src=\"https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-11-1774442150-lNR8-1024x207.webp\" alt=\"What Are The Risks of Investing in IPOs?\" class=\"wp-image-11534\" srcset=\"https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-11-1774442150-lNR8-1024x207.webp 1024w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-11-1774442150-lNR8-300x61.webp 300w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-11-1774442150-lNR8-768x155.webp 768w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-11-1774442150-lNR8.webp 1201w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>While the prospect of \u201clisting gains\u201d is exciting, it is important to remember that <strong>Initial Public Offering<\/strong> investing carries its own set of challenges.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Market Volatility:<\/strong> The stock market is unpredictable. Even if an <strong>IPO<\/strong> is great, if the broader market crashes on the day of listing, your shares might open at a lower price than what you paid.<br><\/li>\n\n\n\n<li><strong>Lack of Public History:<\/strong> Unlike established companies that have been transparent for decades, an <strong>IPO<\/strong> company is coming from a private background. You have much less historical data to judge how they handle market downturns.<br><\/li>\n\n\n\n<li><strong>Overvaluation:<\/strong> Sometimes the hype around a brand pushes the <strong>Initial Public Offering<\/strong> price too high. If the price doesn\u2019t match the actual value of the business, the stock price often drops shortly after listing.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Difference_between_IPO_and_FPO\"><\/span><strong>Difference between IPO and FPO\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"207\" src=\"https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-12-1774442137-QmOK-1024x207.webp\" alt=\"Difference between IPO and FPO\u00a0\" class=\"wp-image-11533\" srcset=\"https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-12-1774442137-QmOK-1024x207.webp 1024w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-12-1774442137-QmOK-300x61.webp 300w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-12-1774442137-QmOK-768x155.webp 768w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-12-1774442137-QmOK.webp 1201w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>While both involve selling shares to the public, there is a distinct difference in the stage of the company\u2019s life cycle.<\/p>\n\n\n\n<p>An <strong>IPO<\/strong> is the very first time a company offers its shares to the public to get listed on the stock exchange. It is the \u201cgrand opening.\u201d\u00a0<\/p>\n\n\n\n<p>On the other hand, a <strong>Follow-on Public Offer (FPO)<\/strong> is launched by a company that is <em>already<\/em> listed. They use an FPO to raise additional funds from the market. For an investor, an <strong>IPO<\/strong> is about a new opportunity, while an FPO is an additional investment in a company you already know.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_You_Can_Learn_From_Recent_IPOs_in_India_2024%E2%80%932025\"><\/span><strong>What You Can Learn From Recent IPOs in India (2024\u20132025)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"206\" src=\"https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-15-1774442099-P9dZ-1024x206.webp\" alt=\"What You Can Learn From Recent IPOs in India (2024\u20132025)?\" class=\"wp-image-11532\" srcset=\"https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-15-1774442099-P9dZ-1024x206.webp 1024w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-15-1774442099-P9dZ-300x60.webp 300w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-15-1774442099-P9dZ-768x155.webp 768w, https:\/\/www.gettogetherfinance.com\/blog\/wp-content\/uploads\/2024\/05\/Artboard-12-copy-15-1774442099-P9dZ.webp 1201w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>If you\u2019ve been following the IPO market lately, you\u2019ve probably noticed something interesting: things don\u2019t work the way they used to. Not long ago, applying for an IPO felt like easy money. You apply, you get an allotment, the stock lists higher, and you book a profit. But recent IPOs in India (2024\u20132025) have changed that story. Let\u2019s break down what\u2019s really happening\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_IPOs_Are_No_Longer_%E2%80%9CGuaranteed_Profit%E2%80%9D\"><\/span><strong>1. IPOs Are No Longer \u201cGuaranteed Profit\u201d<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Earlier, many IPOs delivered strong listing gains. But now, that trend has slowed down. Some IPOs still perform well, but many either list flat or fall after listing.<\/p>\n\n\n\n<p><strong>What this means:<\/strong><strong><br><\/strong>You can\u2019t assume every IPO will make you money. The \u201ceasy profit\u201d phase is fading.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Listing_Gains_and_Long-Term_Returns_Are_Different\"><\/span><strong>2. Listing Gains and Long-Term Returns Are Different<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A big mistake many investors make is mixing short-term and long-term thinking.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Some IPOs give quick listing gains but fall later<\/li>\n\n\n\n<li>Others may not give instant profit but perform well over time<\/li>\n<\/ul>\n\n\n\n<p><strong>What this means:<\/strong><strong><br><\/strong>Decide your goal before applying:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Are you here for quick gains?<\/li>\n\n\n\n<li>Or long-term investment?<\/li>\n<\/ul>\n\n\n\n<p>Both require different thinking.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Hype_Can_Mislead_You\"><\/span><strong>3. Hype Can Mislead You<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>High subscription numbers and social media buzz can make an IPO look very attractive. But reality has shown:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Highly subscribed IPOs can still give poor returns<\/li>\n\n\n\n<li>Less popular IPOs sometimes perform better<\/li>\n<\/ul>\n\n\n\n<p><strong>What this means: <\/strong>Don\u2019t rely only on hype. Popular doesn\u2019t always mean profitable.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Investors_Are_Becoming_More_Selective\"><\/span><strong>4. Investors Are Becoming More Selective<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The market is slowly maturing. Instead of applying in every IPO, investors are now asking:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Is the company profitable?<\/li>\n\n\n\n<li>Is the valuation reasonable?<\/li>\n\n\n\n<li>Does the business actually make sense?<\/li>\n<\/ul>\n\n\n\n<p><strong>What this means: <\/strong>Smart investing is replacing blind investing.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Not_All_IPO_Money_Goes_Into_the_Business\"><\/span><strong>5. Not All IPO Money Goes Into the Business<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>In many IPOs, a portion of shares are sold by existing promoters (called Offer for Sale). This means:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The company may not receive all the money<\/li>\n\n\n\n<li>Some promoters may simply be exiting<\/li>\n<\/ul>\n\n\n\n<p><strong>What this means: <\/strong>Always check why the IPO is happening \u2014 growth or exit?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_Market_Conditions_Matter_More_Than_You_Think\"><\/span><strong>6. Market Conditions Matter More Than You Think<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Even a strong company can struggle if the overall market is weak. Factors like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Global news<\/li>\n\n\n\n<li>Market sentiment<\/li>\n\n\n\n<li>Investor confidence<\/li>\n<\/ul>\n\n\n\n<p>All affect IPO performance.<\/p>\n\n\n\n<p><strong>What this means: <\/strong>Timing plays a big role, not just the company.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_Good_Companies_Still_Win\"><\/span><strong>7. Good Companies Still Win<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Despite all the noise, one thing hasn\u2019t changed. Companies with:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Strong business models<\/li>\n\n\n\n<li>Clear growth potential<\/li>\n\n\n\n<li>Good financials<\/li>\n<\/ul>\n\n\n\n<p>Still tend to perform better over time.<\/p>\n\n\n\n<p><strong>What this means: <\/strong>Quality always matters in the long run.<\/p>\n\n\n\n<p>In the end, IPOs are no longer about luck \u2014 they\u2019re about understanding. and that\u2019s actually a good thing for serious investors.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>As we have understood, companies raise funds through the public by getting listed into the National Stock Exchange or other representatives with the help of Initial Public Offerings. It depicts the starting phase of a company into the stock market.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1715841791812\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Q1_What_is_an_IPO\"><\/span><strong><strong>Q1. What is an IPO?<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Initial Public Offering (IPO) is when a private company decides to go public by selling its shares which indicates the ownership of shareholders.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1715841822384\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Q2_Is_investing_in_an_IPO_risky\"><\/span><strong>Q2. Is investing in an IPO risky?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>When investing, there are some sort of risks involved with stock as well as IPO\u2019s. Investors need to analyze the risks properly and make informed decisions.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1715841832376\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Q3_How_can_I_apply_for_an_IPO\"><\/span><strong>Q3. How can I apply for an IPO?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Get in touch with a broker or an entity to apply for an IPO.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1715841839368\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Q4_Can_I_make_profits_by_investing_in_an_IPO\"><\/span><strong>Q4. Can I make profits by investing in an IPO?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can make good profits by investing in an IPO. You can surely gain profits by investing in an IPO if the company does well in future.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Initial Public Offering or an IPO is one way through which a company raises funding to focus on expansion of the business. An individual can purchase the shares of a&#8230;<\/p>\n","protected":false},"author":1,"featured_media":11530,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[62],"tags":[],"class_list":["post-4512","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-stock-market"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.gettogetherfinance.com\/blog\/wp-json\/wp\/v2\/posts\/4512","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.gettogetherfinance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.gettogetherfinance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.gettogetherfinance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.gettogetherfinance.com\/blog\/wp-json\/wp\/v2\/comments?post=4512"}],"version-history":[{"count":8,"href":"https:\/\/www.gettogetherfinance.com\/blog\/wp-json\/wp\/v2\/posts\/4512\/revisions"}],"predecessor-version":[{"id":11539,"href":"https:\/\/www.gettogetherfinance.com\/blog\/wp-json\/wp\/v2\/posts\/4512\/revisions\/11539"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.gettogetherfinance.com\/blog\/wp-json\/wp\/v2\/media\/11530"}],"wp:attachment":[{"href":"https:\/\/www.gettogetherfinance.com\/blog\/wp-json\/wp\/v2\/media?parent=4512"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.gettogetherfinance.com\/blog\/wp-json\/wp\/v2\/categories?post=4512"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.gettogetherfinance.com\/blog\/wp-json\/wp\/v2\/tags?post=4512"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}